Affirm: Checking your eligibility won’t affect your credit score. However, some payment options may involve a soft or hard credit check—this will be clearly disclosed before you agree.

Afterpay & Klarna: No credit check is required for Pay-in-4 options. Longer-term financing through Klarna may involve a soft check that doesn’t impact your score.

Affirm: Offers flexible terms from 3 to 12 months. You’ll see available options during checkout.

Klarna: Offers Pay-in-4 (biweekly) or monthly financing up to 24 months depending on your credit.

Afterpay: Typically splits your total into 4 biweekly payments—ideal for smaller purchases.

Affirm: May charge interest depending on your credit and term length. No hidden fees or surprises—everything is upfront.

Afterpay & Klarna: No interest or fees when you pay on time. Late fees may apply if payments are missed.

Yes—all three providers allow early payment with no penalty. You can pay off your balance anytime to avoid interest or shorten the payment period.